Increase in decline code 72 for card payments

Zai Payments has confirmed that the increase in declines with response code 72 ("Unknown authorization error") affects some Mastercard payments only. Payments on other card schemes are processing normally.

The issue has been escalated to Mastercard, and our team is working with them and our upstream provider to understand the cause and restore normal service.

In the meantime, payers who experience a decline can use a different card scheme or an alternative payment method.
We will provide further updates as we know more.

Thank you for your patience.

Zai has observed an increase in card payments being declined with bank response code 72 (“Unknown authorization error”). Not all transactions are affected, but payers using your platform may see these declines when making a card payment.

Our team is working with our upstream provider to identify the cause. We will provide more information as it becomes available.

Thank you for your patience while we work to understand and resolve this issue.